CORAA ಸ್ವಯಂಚಾಲಿತಗೊಳಿಸುತ್ತದೆ most complex and time-consuming NBFC ಆಡಿಟ್ ಕಾರ್ಯವಿಧಾನಗಳು, from IRACP NPA testing to interest income reversal verification, all from a single Tally ಡೇಟಾ import.
RBI regulation layered on top of the ಕಂಪನಿಗಳ ಕಾಯ್ದೆ.
NBFC ಆಡಿಟ್ಗಳು require both banking expertise and deep ನಿಯಂತ್ರಕ knowledge, and every classification call has direct P&L impact.
RBI IRACP
NPA classification
RBI's Income Recognition and Asset Classification and Provisioning norms require precise NPA staging based on days past due. Manual classification across thousands of loan accounts is error-prone and time-consuming.
Provisioning
ಪ್ರಾಮುಖ್ಯತೆ at stake
Each NPA category (Sub-Standard, Doubtful 1/2/3, Loss) carries different provisioning rates. Even a small misclassification has a material impact on the P&L and capital adequacy ratios.
Income recognition
Interest income reversal
For NPA accounts, interest must be reversed from income and credited to a suspense account. Verifying this across a large portfolio requires cross-referencing ಲೆಡ್ಜರ್ entries against the NPA status for each account.
RBI returns
Form ಸಮನ್ವಯ
NBFC returns filed with RBI (NBS-1, NBS-2, etc.) must reconcile with ಆಡಿಟ್ed financial statements. Discrepancies trigger RBI queries, identifying them before filing requires tedious manual cross-referencing.
Coraa ಅವುಗಳನ್ನು ಹೇಗೆ ಪರಿಹರಿಸುತ್ತದೆ
One Tally ಆಮದು. every loan account in scope.
Automated ಲೆಡ್ಜರ್ ಪರಿಶೀಲನೆ across all loan and deposit accounts
GST and TDS ಸಮನ್ವಯ ಗಾಗಿ ಶುಲ್ಕ income and expense accounts
Bank ಸಮನ್ವಯ across multiple accounts simultaneously
Interest income verification, earned vs received vs reversed
Provisioning calculation cross-check against IRACP norms
Related party loan and deposit identification and testing
AI-ಸಹಾಯಿತ ಡಾಕ್ಯುಮೆಂಟ್ ಹೊಂದಾಣಿಕೆಯೊಂದಿಗೆ ವೌಚಿಂಗ್
100% transaction coverage, no ಮಾದರಿ gaps
ವರ್ಕಿಂಗ್ ಪೇಪರ್ಗಳು generated automatically ಪೂರ್ಣ ಆಡಿಟ್ ಜಾಡಿನೊಂದಿಗೆ
NFRA-ready documentation for listed NBFC clients
ಇದು ಹೇಗೆ ಕೆಲಸ ಮಾಡುತ್ತದೆ
From Tally ಆಮದು to exception review.
ಹಂತ 01
Import Tally ಡೇಟಾ
Export the client's Tally ಡೇಟಾ ಮತ್ತು upload to Coraa. One-time setup per ಎಂಗೇಜ್ಮೆಂಟ್. ಎಲ್ಲಾ loan, deposit, income, and expense ಲೆಡ್ಜರ್ಗಳು are imported together.
ಹಂತ 02
AI runs all ಕಾರ್ಯವಿಧಾನಗಳು
ಲೆಡ್ಜರ್ ಪರಿಶೀಲನೆ, ಸಮನ್ವಯಗಳು, NPA indicator screening, interest verification, related party flagging, all run simultaneously in minutes.
ಹಂತ 03
ಪರಿಶೀಲನೆ ಮತ್ತು ಸೈನ್-ಆಫ್
Coraa generates an exception queue and pre-populated ವರ್ಕಿಂಗ್ ಪೇಪರ್ಗಳು. Your team reviews exceptions, adds conclusions, and signs off.
Start your first NBFC ಆಡಿಟ್
ನಿಮ್ಮ ಮೊದಲನೆಯದನ್ನು ನಡೆಸಿ NBFC ಎಂಗೇಜ್ಮೆಂಟ್ on Coraa.
ಉಚಿತ 14-ದಿನಗಳ ಪ್ರಯೋಗ. ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಬೇಡ. ಭಾರತದಲ್ಲಿ ಹೋಸ್ಟ್. DPDPA ಅನುಸರಣೆ.
